Her home is worth $412,700, and she pays $1,851 in mortgage payments every month.

Her home is worth $412,700, and she pays $1,851 in mortgage payments every month.

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She consumes 4.8 alcoholic beverages a week (roughly 250 a year) and estimates that cost annually to be $757 (which is almost certainly an underestimate).

She consumes 4.8 alcoholic beverages a week (roughly 250 a year) and estimates that cost annually to be $757 (which is almost certainly an underestimate).

Photo: Kevin O'Mara

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She also tends to shop online when she drinks, spending around $295 per year on "spontaneous purchases" while under the influence.

She also tends to shop online when she drinks, spending around $295 per year on "spontaneous purchases" while under the influence.

Photo: Ross D. Franklin, Associated Press

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And despite $5,376 of debt, she considers herself in good financial standing.

And despite $5,376 of debt, she considers herself in good financial standing.

Photo: Elise Amendola, AP

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This is the 'average Californian'

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California is a vibrant, dynamic, multicultural state, with a population of a staggering 38.8 million, as of 2014. It's also an expensive state, getting pricier by the day, from Sacramento to San Diego.

But in San Francisco, we're not always adept at understanding the variance of those demographics. Salaries are higher than in most other places, people tend to be more active, and we spend a bit more money on our nights out. Our scope of the state as a whole isn't always very spot-on.

Finder.com, a cost comparison site for mortgages, personal loans, and other things, pored over data from the U.S. Census Bureau, the Bureau of Economic Analysis, the Bureau of Labor Statistics, and more surveys to find out the mean salaries, expenses, debts, work hours, backgrounds, and education levels of the "average Californian."

Now, take this with a grain of salt. There are some components to the "average" profile that cannot be calculated. In these cases, the executor of the study used the "most popular" or common item.

Elite runners start the first wave of Bay to Breakers 2018San Francisco Chronicle

Coyote trots around Golden Gate parkTed Andersen, SFGATE

"In most cases, figures used were based on population averages, however in some situations this was not possible," the author of the study wrote. "In these cases, the most popular or populated item was used. An example of this includes Koreatown being the most populated neighbourhood in the most populated city in California."

With their findings based on the state surveys, Finder found that the "average Californian" is a high school-educated 35-year-old Latina woman, is overweight, and is a democrat. She has two kids — a girl and a boy, nine years apart — and she plans to spend $371 on them during their next holiday break.

Jennifer, as the study has named her, has a standard credit card debt of roughly $5,400, and her most frequently unplanned purchase is a meal out. She owns a home worth almost $413,000, and she works 41.3 hours a week, making $52,651 annually (she must have help with those mortgage payments!).

She also treats her loved ones. On Valentine's Day, Jennifer spends about $82 on her partner, $176 on her mom for Mother's Day, and $120 on her dad for Father's Day.